K
Key Financial Concepts, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$10,959,058
Clients
26
31% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
26
TypicalAverage account size
$421,502
About
Key Financial Concepts, Inc. provides financial planning and investment advisory services primarily to individual clients, including high-net-worth households, and also serves certain pension, charitable, and corporate clients. The firm offers written comprehensive plans, consultation, seminars, and implements investment programs through managed-account offerings, model portfolios, third‑party managers, and affiliated brokerage and insurance channels.
The firm manages client assets on a non‑discretionary basis and uses risk‑tolerance questionnaires, asset‑allocation modeling, portfolio optimization and rebalancing tools as part of its process, with an emphasis on long‑term mutual fund allocations and a mix of fundamental and technical analysis. Advisory services are delivered through an Osaic OneHub wealth management platform and related wrap/SMA/UMA programs, with execution and clearing capabilities provided through the broker‑dealer/custodial arrangements described in the brochure.
Distinctive features include advisors who are also registered representatives of a broker‑dealer and licensed insurance agents, and the firm’s stated policy of not accepting discretionary authority—both of which are uncommon among peers in this category. The firm is small in scale (one advisor, roughly $11 million in non‑discretionary AUM, and about two dozen clients) and supplements planning and investment work with insurance product sales and tax‑preparation services, a combination that introduces implementation‑related compensation and associated supervisory disclosures.
Client services
Financial planning
Portfolio management
Expertise
General estate planning guidance
General retirement planning
Fee options
Seminar fees charged as flat fee per group or per attendee (amount varies)
$0 - $1,000,000: 1.5% for Equity Portfolio $1,000,001+: 1.0% for Equity Portfolio $0 - $1,000,000: 1.0% for Balanced Portfolio $1,000,001+: .65% for Balanced Portfolio $0 - $1,000,000: 0.75% for Fixed Portfolio $1,000,001+: 0.5% for Fixed Portfolio
Commissions and royalties may be received from insurance and investment product sales
Hourly Advice: $250 per hour in office, $275 per hour outside office
Account minimum: $50,000 Minimum fee: Minimum $500 annual fee for advisory programs Fee-only: Financial Planning Fees: $1,750 for Comprehensive Plan; Hourly Advice: $250/hour in office, $275/hour outside office
Main office location
Key Financial Concepts, Inc.
428 Hartford Tpke, Suite 109
Vernon CT 06066, United States
Number of offices
1
Most active in
Key Financial Concepts, Inc. has reported serving >5 clients in these states in the last 12 months.
Connecticut
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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